Feasibility Study Data for the Amarillo, TX Metro Area

Amarillo in the SBA loan record

Amarillo, TX logged 249 SBA approvals in FY2017 to FY2026, worth $166.9 million in gross dollars. Amarillo, TX is distinctive on loan size: its $250,000 median loan is 1.20x of the national median, a Amarillo gap past our margin. Amarillo cancels differently too: its floor, across 249 loans, differs from the national floor. The Amarillo gap passes our margin. Amarillo is a mid-table area: 273 of 928 by loans. In Amarillo, TX, every asset class is pooled for Amarillo. That view of Amarillo is missing from TX and national tables.

$124,500 to $537,000 spans the middle half of Amarillo loans, and $250,000 is the median. Outside data makes Amarillo requests look light; at 1.20x, Amarillo is above the national level. Amarillo: 7(a) leads the mix, with 199 7(a) loans against 50 under 504. Amarillo franchised businesses took 26.5% of loans, so a branded concept in Amarillo needs a brand-cost check in Amarillo.

Who lends in Amarillo, and for what

Amarillo's tracked classes, largest first: 13 loans in full-service restaurant; 12 loans in hotel and motel; 8 loans in fitness center; 7 loans in automotive mechanical repair. Amarillo also holds 174 loans outside every tracked class; Amarillo small business lending shows here. Amarillo's busiest counties are Randall County, TX with 146 and Potter County, TX with 98, so a Amarillo project's boundary matters when Amarillo borrowers cite area-wide figures. Amarillo 7(a) leaders: Centennial Bank (AR) ($5.7 million, 22 loans); Northeast Bank (ME) ($2.6 million, 18 loans); First United Bank (TX) ($3.0 million, 13 loans). Amarillo 504 list: Texas Panhandle Regional Development Corporation ($28.6 million, 26 loans). SBA keeps records of Amarillo loans each lender holds or held; Centennial Bank (AR) leads with 22, and no Amarillo lender is judged.

The Amarillo series opens at 22 loans in FY2017 and closes at 26, higher than the start; its high is 50 loans ($35.5 million) in FY2025, its low 14 in FY2020. Amarillo cancellations stand at 6.4%, a floor, for Amarillo approvals in FY2017 to FY2024; Amarillo's ceiling is withheld, never zero in Amarillo. Of 99 Amarillo loans disbursed in FY2017 to FY2021, 5.1% are charged off, a floor. The Amarillo five-year loss figure is withheld; Amarillo cannot read it as zero. Amarillo, TX membership follows the July 2023 delineation; Amarillo counties are matched by name, and a Amarillo loan with no match is dropped, so 249 is a floor, and every Amarillo rate is too.

Amarillo: what a study has to test

For Amarillo, a study tests Amarillo demand within a defined trade area, since Randall County, TX dominates Amarillo loan counts. If a Amarillo concept resembles full-service restaurant, Amarillo offers size and lender precedent; other Amarillo concepts must rest on their own Amarillo evidence. The Amarillo cost section uses local quotes; run Amarillo debt service coverage for loans near $250,000 and near $537,000. Amarillo appraisals compare within one submarket of Amarillo, TX, not across averages. Nothing printed for Amarillo predicts approval; each Amarillo lender still reviews a study.